Rachel gave a great service and was very understanding.

We had an outstanding experience working with Rachel throughout our home purchase. She was knowledgeable, responsive, and patient, and she made the process feel organized and manageable from start to finish. We truly felt that Rachel had our best interests in mind. We are so grateful for her help and would highly recommend her to anyone looking for a trustworthy, professional, and dedicated Mortgage Analyst.

Rachel is exceptional to work with. I have been working with her since 2024 for my first loan. Rachel is very friendly and easy to work with. She has kept me updated as promised from the very beginning, through my original loan and now through the refinancing process. I highly recommend Rachel for all your financial needs.

We worked with Rachel at Reliance First Capital [Reliance First Capital, LLC has since been acquired by and merged into Carrington Mortgage Services, LLC]. Rachel and her team made what would be, for me, a very difficult process into an easy one. I'm all thumbs with a computer! Rachel and Lindsay walked me through all my technical hurdles. Highly recommend Reliance First Capital [Reliance First Capital, LLC has since been acquired by and merged into Carrington Mortgage Services, LLC] and Rachel's team!

I wanted to give a five-star review for Rachel. He professionalism, expert knowledge, and friendly spirit was greatly appreciated. She displayed character throughout the process and was available to answer any questions we had.

Rachel was a pleasure to work with. She was professional yet friendly, patient, and took the time to understand my needs, concerns, and explained the process, always keeping me updated on the progress of my loan.

I'd like to express my gratitude to Rachel and her company for being smart enough to hire somebody as professional and thorough as Rachel she made the entire process from the very first call to the very last text. The package was delivered wrapped bow tide ends clipped and gave me exactly what I needed to a cash out. Mortgage just made my life so much easier I highly recommend Reliance First Capital [Reliance First Capital, LLC has since been acquired by and merged into Carrington Mortgage Services, LLC] and Rachel

Outstanding experience from start to finish! My Mortgage Analyst, Rachel, and cast were professional, responsive, and incredibly knowledgeable. They made the entire process smooth and stress-free, always taking the time to answer questions and keep everything on track. I highly recommend them to anyone looking for top-tier service!

I had an outstanding experience working with Rachel as my mortgage analyst. From start to finish, she went far beyond what I expected and truly made the entire process smooth and stress-free. Rachel was incredibly knowledgeable, patient, and always available to answer my questions, no matter how small. She took the time to explain every step clearly, making sure I fully understood my options and felt confident in my decisions. What really stood out was her dedication and attention to detail; she treated my situation with genuine care and urgency. Throughout the entire process, Rachel stayed proactive, communicative, and on top of everything, which made a huge difference. It's rare to find someone so committed to going above and beyond for their clients. I highly recommend Rachel to anyone looking for a mortgage professional who is not only skilled but truly cares about delivering the best possible outcome. Rachel should be nominee for Mortgage Analyst of the year!

Great experience. Rachel was a pleasure to work with again! This is the third time I've used this company. After the first two excellent experiences I made sure to reach out to Rachel again. She is very professional. Quick to respond to your questions and phone calls. I was shocked how fast this process went. Great job. Thank you for helping us with our plans.

Rachel Andrew was an absolute delight. I appreciate her friendly customer service and thoroughness. I recommend her to all for any refinance needs. Thank you again for your assistance.

Rachel was amazing to work with! She was there every step of the way and answered our many calls, questions and emails in a timely manner! I highly recommend Rachel!

Rachel Andrew is the BEST! We recently used Reliance First Capital [Reliance First Capital, LLC has since been acquired by and merged into Carrington Mortgage Services, LLC] and had a great experience! The process was smooth, and Rachel Andrew was helpful and responsive the whole way through. Everything was explained clearly, and we felt supported from start to finish. We'd definitely recommend them and HER!

I worked with Rachel and she was amazing! Very supportive and answered all of my weird off the wall questions and requests!

Expertise was great. Rachel was very knowledgeable and always available to ask questions! Her promptness was very appreciated during this crazy time as a first-time home buyer.

Expertise was great. Rachel was very knowledgeable and always available to ask questions! Her promptness was very appreciated during this crazy time as a first-time home buyer.

Rachel was extremely helpful and attentive throughout the entire process. She responded quickly to all of my questions and explained everything in detail. She definitely made the process less stressful!

This process was an absolute pleasure with Rachel. Not only was she highly communicative, but she presented options that I didn't know were available. I'm extremely pleased with the ease that she provided for me.

Rachel is very pleasant and knowledgeable. She was always available to answer questions or concerns I had. If you go through Reliance First Capital [Reliance First Capital, LLC has since been acquired by and merged into Carrington Mortgage Services, LLC] - ask for Rachel.

Rachel Andrew was professional, friendly, approachable, and consistent in each conversation concerning my inquiries and her guidance during the process. Rachel Amanda Andrew is by far the best professional individual that I have encountered in quite a while. Her initial conversation was warm and focused on my goal. Each conversation was concentrated on meeting my needs in a meaningful and engaging manner. Rachel's delightful attitude towards my needs were straight forward and truthful. Rachel professional mannerisms made me feel valued and appreciated as a customer. Thank you Rachel Amanda Andrew for this successful opportunity.

What a wonderful experience working with Reliance First Capital [Reliance First Capital, LLC has since been acquired by and merged into Carrington Mortgage Services, LLC] Capital. Especially Rachel, who was always available for my calls in regard to our loan. I highly recommend this company for all your financial needs.

Words can’t express my gratitude to Rachel and her team. I was skeptical at first based off of interactions I had received from other companies. Rachel was honest and upfront from the initial phone call. She was patient with me when I threw my “tantrum”. She was calm and talked me through everything to the point of telling me to get my pen and paper out. She went line by line of what was going to transpire. The process was truly seamless and I will definitely be using her and her team again in the future. Thank you so very much from the bottom of my heart!

Rachel was extremely helpful and confident to provide us with any help and knowledge we needed. Rachel was certainly a joy to work with. She knew all information well. She easily responded to all our questions and needs. It is so nice to actually have someone look out for you. This day and time it is so easy for people to display the "I don't care attitude " that certainly wasn't what we had to deal with. Thank you so much Rachel Andrew and Reliance First Capital [Reliance First Capital, LLC has since been acquired by and merged into Carrington Mortgage Services, LLC].

Incredible. Rachel was amazing. She helped me and my wife through every aspect of our home buying process. She was there every step of the way. Extremely knowledgeable and was able assist us on every question we had no matter the issue, big or small.

Rachel was great to work with, she was upfront and honest about everything. The loan process was smooth and Rachel kept me informed on all the steps. I would highly recommend anyone looking for a loan to give Reliance First Capital [Reliance First Capital, LLC has since been acquired by and merged into Carrington Mortgage Services, LLC] and ask for Rachel.

I met Rachel at an open house early on in my home search and we kept in touch through the following months until I found the right house. She was a tremendous resource, guiding me through the application process, keeping everything on track, and even closing ahead of schedule. I had a great experience working with her and would highly recommend her and Reliance First Capital [Reliance First Capital, LLC has since been acquired by and merged into Carrington Mortgage Services, LLC].

Rachel was very knowledgeable and was willing to help me when other lenders didn't seem interested because I was just shy of 3 years being closed with my bankruptcy. She listened to me and not only gave my wife and I hope we could refinance our home of 12 years but made it work for us, and at a great rate!

Rachel is very professional, very informative, she helped me through the whole process. I would definitely work with her again.

My husband and I had such a great experience with our agent Rachel Andrew! She was so attentive and informative with clear communication. She made us feel so comfortable with asking questions, especially with this being our first time buying a home. She took her time to explain things and walked us through every step of the way. We highly recommend seeking Rachel out with the Reliance First Capital [Reliance First Capital, LLC has since been acquired by and merged into Carrington Mortgage Services, LLC] team. What a wonderful experience!

I'm a first-time homebuyer, and I worked with Rachel. She was ABSOLUTELY incredible! She took time to walk me through each phase of buying a home, always willing to answer questions and keep me on track! She worked around my busy schedule and was very responsive with calls and emails! I could not recommend Rachel enough, she's amazing!

If I had to use 1 word to describe my Analyst Rachel it would be INTEGRITY!! Thank you Rachel. From our first phone conversation until the moment I was funded you were there with me every step. Phone calls, emails and text messages you were always available. You explained the process worked through the process and delivered the end result - Approval of my refinance. I wish for your continued success in all your endeavors. These are my true words, no 'AI' generated response - Once again, thank you Rachel.

Rachel at Reliance First Capital [Reliance First Capital, LLC has since been acquired by and merged into Carrington Mortgage Services, LLC] was amazing. Rachel completely understood my needs and walked me through the whole process. Truly a professional all the way through the refinance process and was a pleasure to work with. Highly recommend Rachel for refinancing.

Rachel was a joy to work with. We were informed at every step of the process and given so much detailed information. With our first home purchase we never received the kind of attention or collaboration that we did this time. Rachel was available and ready to explain anything we needed. We truly felt she cared about us and not that we were just part of her job. She and her team were a pleasure to work with. We are so grateful that we chose Rachel to help us with the purchase of our home.

We have just successfully completed our home cash-out refinance process. I can't say enough about our Mortgage Analyst, Rachel Andrew, who made the experience easy, understandable, and relatively stress-free. From the first phone call to the final outcome, she was extremely knowledgeable, proactive, personable and a pleasure to work with. Rachel was always reachable by phone or email and would always deliver on return communications and projected time frames and answers/explanations of questions and concerns. I'm so glad I decided to answer that first phone call. She won us over by presenting an option that we weren't considering that would satisfy our needs and meet our goals. Rachel was everything you could hope for to guide you through this process. Nice, nice, nice Person. Thank you, Rachel Andrew!

My experience has been informative and speedy when using Reliance First Capital [Reliance First Capital, LLC has since been acquired by and merged into Carrington Mortgage Services, LLC]. Rachel was wonderful to work with. She worked around my crazy work schedule and I closed in less than a month. Rachel kept me informed throughout the process and worked around my busy work schedule.

Rachel has walked me through the refinancing process of my home twice so far! She is so AWESOME! Rachel is extremely knowledgeable about the product. She was very punctual and had everything I needed. Information flowed smoothly. I closed on time. Rachel is THE BOOM DOT COM!

Great experience! I want to start off by saying I appreciate the patience that came with Rachel. She was great with maneuvering around obstacles that came our way through the process. Not once did I feel a give up moment on either end and that made for a great experience. She explained any concern I may have had and gave reassurance when needed. She definitely knows her informant and how to make a dream come true! I would highly recommend Rachel.

I want to start by saying Rachel made this experience a very easy and stress-free achievement! Not only did she find a way around multiple obstacles thrown our way she made me feel reassured that each issue was very common and solvable. This type of work comes only with an experienced individual and I would highly recommend Rachel to anyone looking to buy a home. She was able to answer all questions and if not at that moment it was never too long until she could find an answer for me. Not once was I ever left open minded and never lost sleep over stress. Thanks Rachel!

Reliance First Capital [Reliance First Capital, LLC has since been acquired by and merged into Carrington Mortgage Services, LLC] was such a great help as I recently just refinanced my home. From start to finish their team was very supportive, interactive and transparent. My Mortgage Specialist, Rachel Andrew was amazing. She was my main contact throughout the process and helped with any questions I had and cleared confusion that sometimes arrived! She was there to help with gathering all documentation needed and even helped with accountability. I 10/10 recommended working with Rachel and Reliance First Capital [Reliance First Capital, LLC has since been acquired by and merged into Carrington Mortgage Services, LLC] for all of your home needs.

Rachel Andrew is the best. Rachel understands the complexity of mortgage financing. She respects her client. Shel is goal oriented and when the paperwork details become overwhelming, she is "the light at the end of the tunnel". I have complete confidence in her professional knowledge. I highly recommend Rachel Andrew to anyone seeking a mortgage. This loan closed due to Rachel's professionalism. Thank You Rachel.

Perfect! Rachel Andrew from Reliance First Capital [Reliance First Capital, LLC has since been acquired by and merged into Carrington Mortgage Services, LLC] was amazing! She helped me with a cash out refinance, educated me about the whole process and worked around my busy schedule! I would recommend them and will be doing business with them in the future! Rachel Andrew from Reliance First Capital [Reliance First Capital, LLC has since been acquired by and merged into Carrington Mortgage Services, LLC] was amazing! She helped me with a cash out refinance, educated me about the whole process and worked around my busy schedule! I would recommend them and will be doing business with them in the future!

Perfect! Rachel Andrew from Reliance First Capital [Reliance First Capital, LLC has since been acquired by and merged into Carrington Mortgage Services, LLC] was amazing! She helped me with a cash out refinance, educated me about the whole process and worked around my busy schedule! I would recommend them and will be doing business with them in the future! Rachel Andrew from Reliance First Capital [Reliance First Capital, LLC has since been acquired by and merged into Carrington Mortgage Services, LLC] was amazing! She helped me with a cash out refinance, educated me about the whole process and worked around my busy schedule! I would recommend them and will be doing business with them in the future!

Rachel Andrew has been a huge help to us as first-time homebuyers. She made all the nitty gritty details easy to understand and was extraordinarily responsive, helpful, and on top of things through a seemingly endless array of last-minute hiccups. We can't recommend her enough! Rachel was absolutely wonderful throughout the entire thing. Extremely clear, respectful, kind, and she seemed genuinely happy to help. We'd definitely recommend her to others (and have!).

Rachel Andrew did amazing! Best customer service I’ve had while buying a home! Very knowledgeable, and quick to respond with all of my questions! Definitely made buying a home less stressful!

Rachel is the BOMB! She was very patient and Professional. She got me to the finish line with ease. I will definitely recommend her when a friend or family member is in need of a great Mortgage Analyst.

Took me by the hand! Rachel Andrew totally walked me through the whole process of refinancing my home. I needed funds from my equity to pay off credit debt and she explained the process and led me through the whole process. She was there pretty much day or night to answer my questions. Very easy to work with. Rachel Andrew was very helpful through the whole process of the refinance of my home. She was very knowledgeable and even though she was reaching her pregnancy due date she assured me that we would close before she went on leave. We did close ahead of that date! She was amazing!

Rachel outdid herself! She made the home buying process a piece of cake! She walked me through everything and answered my million questions! Couldn’t thank her enough for the experience! Rachel Andrew was a blessing in disguise! She helped me through the home buying process and made it a piece of cake! Highly recommend!!

Rachel was on top of all requests and provided us with the information for me to gather what we needed. The staff helping her were always helpful and pilot and got us through the process of closing with our bank selling in the midst of all the items we needed to provide. Very grateful for their help. Rachel Andrews was a great help and got us through the refinance of our home without issue.

Rachel and Lindsay were awesome!!!

I worked with Rachel Andrew on my refi cash out. I am not fond of doing things by phone or internet but she made the transition pretty painless. Avoid using big national corporations for pest inspections. Terminix almost derailed my closing date. She and the team are pretty responsive and she does check in almost every day. They were very innovative with their plans. They kept me on my current track with 21 years remaining and refinanced with a 21-year plan. Others have tried to duplicate the numbers but fell short. Everything is upfront and honest and very accurate. My initial numbers were my final numbers. I would recommend working with Reliance First Capital [Reliance First Capital, LLC has since been acquired by and merged into Carrington Mortgage Services, LLC] and with Rachel.

Great job. Rachel helped me refinance my house, during this not-so-great market. She helped ensure I got the best rate possible with the least amount of cost! I definitely recommend Rachel and her office!

Rachel was an amazing help in my process of purchasing my first home. Would highly recommend!

Rachel did a great job handling our refinance process.

RACHEL IS A ROCKSTAR! I am so thankful Rachel was our loan officer. Throughout the entire process, Rachel provided excellent insight and guidance, was extremely timely in her responses, and helped us close quicker than expected! This is our second time working with Rachel for our second investment property and we will continue to use her in the future.

Reliance First Capital [Reliance First Capital, LLC has since been acquired by and merged into Carrington Mortgage Services, LLC] Where Do I start? First and foremost, I must mention Rachel Andrew, my Mortgage Analyst who was there for me from the beginning to the end in every way possible, answering all My questions and walking me through my refinance. Dotting all the I's and crossing all the T's and making sure I was comfortable with the way the loan was going through. I highly recommend Rachel as your Mortgage Analyst to anyone who's out there looking for an investment property loan or refinancing your existing loan. Rachel was there with me from the being to the end even though she had family matters to tend to! She still was there for me she walked me the whole process! Every time I called or needed help understand something she took the time to explain and made sure I understood what I was doing! Rachel went beyond the call of duty!

Rachel is amazing! I was very impressed with Rachel Andrew, she is such a professional, she worked with me throughout my refi mortgage loan, she answered all my questions and was very kind and helpful. Everything went smooth at closing. I got all my demands met and she was honest and candid with me. She is a great Senior mortgage Analyst at Reliance First Capital [Reliance First Capital, LLC has since been acquired by and merged into Carrington Mortgage Services, LLC]. she knows her job well. I was very lucky to work with her. She is Highly recommended Thank you Rachel for your super help!

We really enjoyed working with Rachel Andrew. She was so helpful with information we needed all along the way and always addressed our questions in a very prompt and courteous manner.

Highly Recommend!! I had the pleasure of working with Rachel through the process of purchasing my first investment property. She was very informative, easy to work with, and always fought for the best deal (interest rate). I truly enjoyed working with her and the Reliance First Capital [Reliance First Capital, LLC has since been acquired by and merged into Carrington Mortgage Services, LLC] team through the process and plan to use them again in the future once we decide to purchase our second. Highly Recommend! Working with Reliance First Capital [Reliance First Capital, LLC has since been acquired by and merged into Carrington Mortgage Services, LLC] Capital was a super easy process and a great experience. Rachel Andrew is now my go to when it comes to mortgage loans and any other type of funding!

Rachel is responsive, courteous, and knows her stuff.

I knew from the first day, I spoke with Rachel, we made the right choice! Her personal warmth, kindness, professional knowledge and ability to provide us with (multiple) financial options exceeded our expectations!!! We cannot thank her enough! for being the BEST part of Reliance First Capital [Reliance First Capital, LLC has since been acquired by and merged into Carrington Mortgage Services, LLC]. We wish her well and much success!

Rachel Andrews was amazing:) she was very thorough in her presentation she crossed every (T) and dotted every (I)...Answered every question? comment, and concern, and she made herself available whether it was a text or a return call. Rachel Andrew was there to assist us no matter the day or the time she always reached back! Her knowledge and skills are a great asset to the company as well! Rachel made us feel that our decision to go with Reliance First Capital [Reliance First Capital, LLC has since been acquired by and merged into Carrington Mortgage Services, LLC] was the best choice we could have every made! Thank you Rachel for all your hard work! You are the BEST and we wish you much success!

I really don't even know where to begin with how helpful and patient Rachel was with me through my home buying process. I had so many obstacles I had to overcome that some days was so overwhelming. Home buying as a single mom was a bit more challenging then I could have imagined, but Rachel never made me feel alone. She was always there to work her magic and find a way to make the process less stressful and easier to achieve. Questions and concerns I had was answered very quickly and there was never a concern of "fine" print that I may miss. I worried at the beginning that doing this alone may get me wrapped up in a deal that might not end up being comfortable to me but she assured me that we wasn't closing any deal without knowing that I was completely happy with the decisions. I hope to utilize Rachel's excellent knowledge and services for future purchases and I highly recommend her to all my family and friends.

Rachel Andrew is THE best! My husband and I bought our first investment property, and we are so glad we chose Rachel with Reliance First Capital [Reliance First Capital, LLC has since been acquired by and merged into Carrington Mortgage Services, LLC]! She was extremely helpful from start to finish and was always available to answer any questions that we had! Rachel made the process easy, provided us great mortgage advice and we closed VERY quickly! We look forward to working with her again in the future. If you’re reading this, choose Rachel Andrew as your Mortgage professional!

My husband and I bought our first investment property, and we are so glad we chose Rachel with Reliance First Capital [Reliance First Capital, LLC has since been acquired by and merged into Carrington Mortgage Services, LLC]! She was extremely helpful from start to finish and was always available to answer any questions that we had! Rachel made the process easy, provided us great mortgage advice & we closed VERY quickly! We look forward to working with her again in the future. If you’re reading this, choose Rachel as your Mortgage professional!

Rachel is extraordinary. She walked us through every step of the way, even when we hit bumps along the way. Glad to have her on our team!

We worked with senior mortgage analyst Rachel Andrew for our refinance. She was very helpful throughout the process, and was always very responsive with any questions. I would work with her again exclusively as she does exactly what she says she will. Great experience, great person.

I am impressed with the service I experienced with Reliance First Capital [Reliance First Capital, LLC has since been acquired by and merged into Carrington Mortgage Services, LLC]! Rachel Andrew is AMAZING! She constantly stayed in contact with me, updating me on the process day by day, sometimes a couple of times within a day. She also constantly made sure I understood the process and answered questions whenever they raised. Reliance First Capital [Reliance First Capital, LLC has since been acquired by and merged into Carrington Mortgage Services, LLC] made me feel comfortable, I trusted that they had my best interests at heart. I would definitely recommend Reliance First Capital [Reliance First Capital, LLC has since been acquired by and merged into Carrington Mortgage Services, LLC]. They are a fabulous customer service orientated financial institute. Keep doing what you do Rachel!

Worked with Rachel Andrew, simply put she’s awesome always available and informed. Have worked with her on a refinance and a new home purchase. I highly recommend working with her! Rachel Andrew & Regina Rupnik were exceptional. They were always available, kind and helpful. I can’t say enough nice things about them.

Rachel Andrew's customer service is outstanding.

Rachel Andrew's from Reliance First Capital [Reliance First Capital, LLC has since been acquired by and merged into Carrington Mortgage Services, LLC] made our refinance easy and exciting at the same time. I will use her again in about five years without hesitation. My wife and I loved working with her. She's outstanding.

Rachel did an excellent job of finding a solution for refinancing. Rachel Andrews went above and beyond to help me refinance my home. I was completely satisfied with the process and her ability to navigate thru the obstacles.

I reached out to Reliance First Capital [Reliance First Capital, LLC has since been acquired by and merged into Carrington Mortgage Services, LLC] through a very good friend of ours, I got a response immediately and that very helpful person was Rachel Amanda Andrew.I am very greatful to God first then Rachel Amanda Andrew when others tried to help I was reluctant,after doing my research on Reliance First Capital [Reliance First Capital, LLC has since been acquired by and merged into Carrington Mortgage Services, LLC], I called back we were refinancing and Rachel was very helpful, know her job very well and was always there to give the right information at all times,even when she was not available and someone else answered they were always taking a message and we were called back,I will recommend any one to use Reliance First Capital [Reliance First Capital, LLC has since been acquired by and merged into Carrington Mortgage Services, LLC] and ask for Rachel any time thank you Rachel Amanda Andrew,thank you RFC,LLC.

Rachel Andrew at Reliance First Capital [Reliance First Capital, LLC has since been acquired by and merged into Carrington Mortgage Services, LLC] helped us tremendously! She gave us different loan options to meet our need of wanting to consolidate our debt. She was always easy to get in touch with and the process from start to finish was quick and exactly what we were looking for. We were able to get rid of credit card debt, personal loans and our car loan to make one monthly loan payment AND save $500 each month! Would recommend her and Reliance First Capital [Reliance First Capital, LLC has since been acquired by and merged into Carrington Mortgage Services, LLC] to anyone looking for a loan.

Rachel Andrew did a phenomenal job processing our mortgage loan and presenting the best options for debt consolidation. We highly recommend her!

Simply the best - I just recently finished a refinance with the help of Rachel Andrew and it was the easiest and fastest experience ever! Rachel knew the answers to every question I had - and some I didn’t even know I had! The whole process was painless, which is not what I expected for a refinance. Things mixed so fast, I had money in my hand in just a couple weeks from start to finish. Rachel will be my first call when I’m ready to do anything mortgage related from now till always. Having done business with Rachel in the past, I already knew I could trust her! She's smart and savvy when it comes to business. She knew the answer to every question I had - and answered some I didn't even know I had! The whole process was SUPER fast and efficient. Rachel is an amazing asset to your team - I couldn’t have asked for anything more!

AMAZING EXPERIENCE - Refinancing a home was definitely an intimidating idea for my husband and I. With a decent mortgage, student loan payments about to start again, plus credit card debt accumulated throughout the years- we knew it was something we had to tackle. THANK GOD we fell into the hands of Rachel Andrew and the Reliance First Capital [Reliance First Capital, LLC has since been acquired by and merged into Carrington Mortgage Services, LLC] team. Rachel was extremely personable and understood all of our needs and concerns. She talked us through the whole process and was also accessible. We couldn’t imagine going through this process with another mortgage analyst or company, and would recommend this group to anyone!

Rachel was so easy to work with and helped us every single step of the way!

Amazing refinancing experience! Our mortgage analysts, Rachel Andrew, made refinancing our house for the first time a breeze! She was so helpful and knowledgeable with every question we had. Would 100% recommend to anyone!

My wife and I started a home-based business in 1992 and we have done pretty well. We have paid our bills on time for decades, but we need a little cash to go to the next level of success. Do we borrow or do we use the cash that we have built into the house? We decided to trust ourselves and use our own money. We are within 7 years of paying off the mortgage, but we have 3 HELOC's that are draining us dry. Rachel Andrew called me on October 11, 2021 offering us the solution to our problem. Her proposal is simple; a 10-year loan at 2.99%, pay everything off, save $2300/month, and have cash remaining to apply to the business. Everything we need wrapped up in nice little package. Thank you, Rachel for all of your hard work. Lula and I really appreciate everything you did for us.

We recently refinanced our mortgage with Reliance First Capital [Reliance First Capital, LLC has since been acquired by and merged into Carrington Mortgage Services, LLC] and worked with agent Rachel Andrew. Months ago I was researching and browsing refinance options when Rachel reached out to us, and I am so glad she did! She presented different options for us tailored to our needs and goals of our refinance, was always available to answer questions and touch bases with us throughout, and overall was just a pleasure to work with. She walked us through every step of the way during the entire process and followed up after to make sure everything went just as we had hoped and expected. The experience exceeded our expectations and the timing couldn't have been better considering the state of the economy right now. Rachel is knowledgeable, personable, and truly cares about and looks out for her clients' best interests. My husband and I highly recommend her and Reliance First Capital [Reliance First Capital, LLC has since been acquired by and merged into Carrington Mortgage Services, LLC] for all your refinance needs.

Very professional, very patient. What I thought was going to be a trial some ordeal turned into a very pleasant experience. Rachel Andrew is truly a concerned and caring individual---making sure that everything was understood, seeing to it that I was always satisfied. Working with her was a pleasure.

The Reliance First Capital [Reliance First Capital, LLC has since been acquired by and merged into Carrington Mortgage Services, LLC] team is awesome! Very professional, knowledgeable, reliable, and demonstrates excellent integrity of business. Rachel, Cheyenne and Mark are the best in the industry. This is a good company with whom to do business.

Rachel was the only one who reached out to us after time had passed from my initial inquiries to companies. Her pleasant persistence won our business. Rachel was extremely competent, courteous, IMMEDIATELY returned calls or emails, found quick solutions to potential problems with me providing needed documents. She is truly an asset to your company.

Just remortgaged with Reliance First Capital [Reliance First Capital, LLC has since been acquired by and merged into Carrington Mortgage Services, LLC]. We were lucky to have Rachel Andrew as our analyst. She was extremely competent, courteous , immediately answered calls or emails and found quick solutions to potential problems with me providing necessary documentations. Our rate was low and met our desire to decrease the term of our loan without greatly increasing our payment. Rachel stated it was possible to close within a month and we actually did! Understanding that hers is basically a sales job, Rachel presented opportunities for us to increase the loan amount but never pressured us - listened to and responded to our wishes. She was professional and knowledgeable but also personable, which was a big plus. We had never heard of Reliance First Capital [Reliance First Capital, LLC has since been acquired by and merged into Carrington Mortgage Services, LLC] but were extremely pleased with the company and the customer service we received. We highly recommend both.

Rachel is totally awesome!

Rachel Andrew's is the best Mortgage Analyst ever, very pleasant to work with and very knowledgeable. If you want someone who is at the top of their game, Rachel is the one! I truly enjoyed this refinance experience. Thank You Rachel!

This is the second time we used Reliance First Capital [Reliance First Capital, LLC has since been acquired by and merged into Carrington Mortgage Services, LLC]. They make your refinance easy and quick. Rachel combined all of our debt into one manageable payment that saved us money and time.

Made it simple and easy to refi - We have used Reliance First Capital [Reliance First Capital, LLC has since been acquired by and merged into Carrington Mortgage Services, LLC] before and were happy. It made sense for us to bundle and refinance again now. Rachel Andrew put together a plan that worked for us. She took all of our worries and questions and turned them into an amazing package that worked for us.

This is our second time using Reliance First Capital [Reliance First Capital, LLC has since been acquired by and merged into Carrington Mortgage Services, LLC] for a refinance. They are on top of their game. They put together a package that works well for us. They are quick and efficient and help save you money. Rachel Andrew was our agent and we could not be happier with the way that she dealt with our questions. Do not hesitate to use this company.

We recently refinanced our home through Reliance First Capital [Reliance First Capital, LLC has since been acquired by and merged into Carrington Mortgage Services, LLC] with the amazing help of Rachel Andrew! She helped us every step of the way! It was wonderful to know that she was there to help us - she worked out various options and ultimately helped us find a solution to meet our refinancing needs! I cannot say enough great things about Rachel. If you are looking for a knowledgeable Loan Officer and mortgage company contact Rachel at Reliance First Capital [Reliance First Capital, LLC has since been acquired by and merged into Carrington Mortgage Services, LLC]! Thank you!

A++++ Experience with this company!!! Hands down the easiest way to handle this. Rachel Andrew was amazing to work with! Her follow up is great! She goes above and beyond to make sure everything is right! This is the second time I’ve used this company and would highly recommend asking for Rachel Andrew! She is a true asset to the company!!! Thank you!!!!

We refinanced our home with Reliance First Capital [Reliance First Capital, LLC has since been acquired by and merged into Carrington Mortgage Services, LLC] and our analyst was the amazing Rachel Andrew. Her communication from the get go was superb - timely, respectful, full of detailed information, and friendly. I felt like I was talking to a friend who truly wanted the best for my family in this decision. ****** provided us with all the available options, with detailed explanations of how each one would benefit us the most, in specific detail to our short and long term goals. The entire process was simple and easy; they even had a notary bring the closing documents to our home so we didn't have to go somewhere else. I highly recommend Reliance First Capital [Reliance First Capital, LLC has since been acquired by and merged into Carrington Mortgage Services, LLC] AND Rachel! We will be using them for our next home purchase for sure.

Rachel is an EXCELLENT analyst! We refinanced our home with Reliance First Capital [Reliance First Capital, LLC has since been acquired by and merged into Carrington Mortgage Services, LLC] and our analyst was the amazing Rachel Andrew. Her communication from the get go was superb - timely, respectful, full of detailed information, and friendly. I felt like I was talking to a friend who truly wanted the best for my family in this decision. Rachel provided us with all the available options, with detailed explanations of how each one would benefit us the most, in specific detail to our short and long term goals. The entire process was simple and easy; they even had a notary bring the closing documents to our home so we didn't have to go somewhere else. I highly recommend Reliance First Capital [Reliance First Capital, LLC has since been acquired by and merged into Carrington Mortgage Services, LLC] AND Rachel Andrew! We will be using them for our next home purchase for sure.

We refinanced our home with Reliance First Capital [Reliance First Capital, LLC has since been acquired by and merged into Carrington Mortgage Services, LLC] and our analyst was the amazing Rachel Andrew. Her communication from the get go was superb - timely, respectful, full of detailed information, and friendly. I felt like I was talking to a friend who truly wanted the best for my family in this decision. Rachel provided us with all the available options, with detailed explanations of how each one would benefit us the most, in specific detail to our short and long term goals. The entire process was simple and easy; they even had a notary bring the closing documents to our home so we didn't have to go somewhere else. I highly recommend Reliance First Capital [Reliance First Capital, LLC has since been acquired by and merged into Carrington Mortgage Services, LLC] AND Rachel Andrew! We will be using them for our next home purchase for sure.

Rachel Andrew was phenomenal in all her communication. She provided detailed explanations of each program and how we could benefit from each. She made sure my husband and I understood and answered all of our questions. When she wasn't sure of an answer, she let us know and got back to us within a few hours.

I would highly recommend dealing with Reliance First Capital [Reliance First Capital, LLC has since been acquired by and merged into Carrington Mortgage Services, LLC]. My agent Rachel Andrew was so easy to deal with and the process was quick and all my questions were answered.

So buying our first home was a big step for our family. Rachel was Amazing! She talked me through every single step. Helped me get an awesome rate. And a payment we could afford without breaking the bank. She made herself available day and night. Any questions we had if she didn’t have the answer she got me one quickly. Thank you so much.

So buying our first home was a big step for our family. Rachel Andrews was Amazing! She talked me through every single step. Helped me get a awesome rate. And a payment we could afford without breaking the bank. She made herself available day and night. Any questions we had if she didn’t have the answer she got me one quickly. Thank you so much.

Rachel was very helpful, knowledgeable, and encouraging during this whole process.

Rachel was great!

Reliance First Capital [Reliance First Capital, LLC has since been acquired by and merged into Carrington Mortgage Services, LLC] was easy to work with, gave updates on a daily basis and explained everything in great detail. Rachel Andrew was great to work with and answered any questions extremely quick. Great job!

Excellent, Top notch. Rachel Andrew was easy to work with, gave updates on a daily basis and explained everything in great detail. Rachel was great to work with and answered any questions extremely quick. Great job!

Rachel was very friendly and the process was effortless and efficient! Reliance First Capital [Reliance First Capital, LLC has since been acquired by and merged into Carrington Mortgage Services, LLC] Highly recommended!

Rachel was very friendly and the process was effortless and efficient! Reliance First Capital [Reliance First Capital, LLC has since been acquired by and merged into Carrington Mortgage Services, LLC] Highly recommended!

Excellent experience. From the first phone call, throughout the entire process, I felt comfortable and confident I had found the right individual to help me with my refinance.

The entire process ran very smooth and had no hiccups. I enjoyed working with Rachael Andrew and this company. I will refer anyone to Rachael Andrew and Reliance First Capital [Reliance First Capital, LLC has since been acquired by and merged into Carrington Mortgage Services, LLC]. Rachel was professional, made me feel at ease, kept me informed and her backup team was super!

The entire process ran very smooth and had no hiccups. I enjoyed working with Rachael Andrew and this company. I will refer anyone to Rachael Andrew and Reliance First Capital [Reliance First Capital, LLC has since been acquired by and merged into Carrington Mortgage Services, LLC]. Rachel was professional, made me feel at ease, kept me informed and her backup team was super!

I am giving a five star rating because after talking with Rachel Andrew for five minutes I felt a connection. She put me at ease and assured that my request was doable. There was some difficulty but Rachel handled everything with patience, professionalism, and directness. It was a pleasure working with Reliance First Capital [Reliance First Capital, LLC has since been acquired by and merged into Carrington Mortgage Services, LLC] and Rachel Andrew in particular. Rachel was clear and concise with every step of the process. Her professionalism and feedback were on point. I also appreciated Rachel's understanding and patience when I didn't understand everything.

I am giving a five star rating becuase after talking with Rachel Andrew for five minutes I felt a connection. She put me at ease adn assured that my request was doable. There was some difficluty but Rachel handled everyting with patience, professionalism, and directness. It was a pleasure working with Reliance First Capital [Reliance First Capital, LLC has since been acquired by and merged into Carrington Mortgage Services, LLC] and Rachel Andrew in particular. Rachel was clear and concise with every step of the process. Her professionalism and feedback were on point. I also appreciated Rachel's understanding and patience when I didn't understand everything.

Rachel went up and above for us to complete the mortgage 110%, great job, the best I have dealt with.

Rachel went up and above for us to complete the mortgage 110%, great job, the best I have dealt with.

Less stress because I worked the best! Rachel Andrew made the loan application process seem smooth and effortless. Even when there were difficulties her patience, professionalism and directness eased any apprehension I may have had. After the loan was funded I felt as though I was saying good-bye to an old friend.

Rachel Andrew was very friendly and a confident Morgage Analyst she was very patient with me who was new at this refinance thing. I will tell friends and family about Reliance First Capital [Reliance First Capital, LLC has since been acquired by and merged into Carrington Mortgage Services, LLC]. It was an OK experience she was a very friendly and experienced professional. She made my days with her very relaxing and smooth. The entire process was somewhat long but thorough she guide me through the process and became easier.

Rachel Andrew was very friendly and a confident Mortgage Analyst she was very patient with me who was new at this refinance thing. I will tell friends and family about Reliance First Capital [Reliance First Capital, LLC has since been acquired by and merged into Carrington Mortgage Services, LLC]. It was an OK experience she was a very friendly and experienced professional. She made my days with her very relaxing and smooth. The entire process was somewhat long but thorough she guide me through the process and became easier.

When looking at options to do a home equity loan we reviewed options with Reliance First Capital [Reliance First Capital, LLC has since been acquired by and merged into Carrington Mortgage Services, LLC]. Working with our Mortgage Analyst, Rachel Andrew, she provided the option to refinance our mortgage. And multiple options to do this were provided! We chose an option provide that provided us cash back after closing (for home improvements), but it also paid off two of our biggest credit cards, took 11 years off our current mortgage term, and lowered our interest rate. This was exactly what we needed! Rachel and the Reliance First Capital [Reliance First Capital, LLC has since been acquired by and merged into Carrington Mortgage Services, LLC] were great to work with, very responsive, and very thorough on all our questions. We highly recommend Rachel Andrew and the Reliance First Capital [Reliance First Capital, LLC has since been acquired by and merged into Carrington Mortgage Services, LLC] team!

When looking at options to do a home equity loan we reviewed options with Reliance First Capital [Reliance First Capital, LLC has since been acquired by and merged into Carrington Mortgage Services, LLC]. Working with our Mortgage Analyst, Rachel Andrew, she provided the option to refinance our mortgage. And multiple options to do this were provided! We chose an option provide that provided us cash back after closing (for home improvements), but it also paid off two of our biggest credit cards, took 11 years off our current mortgage term, and lowered our interest rate. This was exactly what we needed! Rachel and the Reliance First Capital [Reliance First Capital, LLC has since been acquired by and merged into Carrington Mortgage Services, LLC] were great to work with, very responsive, and very thorough on all our questions. We highly recommend Rachel Andrew and the Reliance First Capital [Reliance First Capital, LLC has since been acquired by and merged into Carrington Mortgage Services, LLC] team!

Rachel knows her job well. Patient understanding And helpful.

Rachel knows her job well. Patient, understanding and helpful.

Rachel Andrew is amazing, if she can help me with refinancing online then she can help anyone. As I am 62 years old and not computer friendly. She is very patient and understanding and was able to talk me through the refinancing of my home over the phone and through the computer. Thanks Rachel, you are the best.

Great experience. Reliance First Capital [Reliance First Capital, LLC has since been acquired by and merged into Carrington Mortgage Services, LLC] Capital is a great company to deal with. Quick and clean throughout the process. I would highly recommend them. The entire process was as seamless as possible. Rachel was always available and explained every step of the way. She was in constant contact to let us know what was going on. Reliance First Capital [Reliance First Capital, LLC has since been acquired by and merged into Carrington Mortgage Services, LLC] is the best company I have ever dealt with for refinancing. But above all Rachel Andrew was excellent and deserves much credit as our mortgage analyst. I had already been through another company and was not too impressed, Rachel made us feel very comfortable and answered all of our questions. She was patient and always available to explain each step of the process. We couldn’t have asked for a better mortgage analyst. I would recommend Reliance First Capital [Reliance First Capital, LLC has since been acquired by and merged into Carrington Mortgage Services, LLC] and Rachel to any of my friends looking to Mortgage or refinance a home. It was a fantastic experience.

My experience with Reliance First Capital [Reliance First Capital, LLC has since been acquired by and merged into Carrington Mortgage Services, LLC] was outstanding. Rachel ******** the financial analyst was above and beyond expectations, She was the best, she walked us through the steps and explained everything so it was easy to understand. She explained all our options and made the whole thing a breeze. She was there around the clock if we had any questions and responded right away. I would highly recommend Reliance First Capital [Reliance First Capital, LLC has since been acquired by and merged into Carrington Mortgage Services, LLC] and Rachel

Reliance First Capital [Reliance First Capital, LLC has since been acquired by and merged into Carrington Mortgage Services, LLC] is the best company I have ever dealt with for refinancing. But above all Rachel Andrew was excellent and deserves much credit as our mortgage analyst. I had already been through another company and was not too impressed, Rachel made us feel very comfortable and answered all of our questions. She was patient and always available to explain each step of the process. We couldn’t have asked for a better mortgage analyst. I would recommend Reliance First Capital [Reliance First Capital, LLC has since been acquired by and merged into Carrington Mortgage Services, LLC] and Rachel to any of my friends looking to Mortgage or refinance a home.

Rachel Andrew is top notch very courteous provided exceptional service. Thanks again.

We discovered our Loan Officer Rachel Andrew at Reliance First Capital [Reliance First Capital, LLC has since been acquired by and merged into Carrington Mortgage Services, LLC] through Len********.com and am so thrilled we did. Rachel has made our refinance experience stress free and extremely smooth. She was very thorough and prompt with any questions or concerns we had and even took time to explain how to do things on the website and reviewing documents. Rachel is very courteous, empathetic, personable and patient. We look forward to her being our loan officer for years to come. It was a breath of fresh air having Rachel Andrew in our corner.

We discovered our Loan Officer Rachel Andrew at Reliance First Capital [Reliance First Capital, LLC has since been acquired by and merged into Carrington Mortgage Services, LLC] through LendingTree.com and am so thrilled we did. Rachel has made our refinance experience stress free and extremely smooth. She was very thorough and prompt with any questions or concerns we had and even took time to explain how to do things on the website and reviewing documents. Rachel is very courteous, empathetic, personable and patient. We look forward to her being our loan officer for years to come. After dealing with some shady lending officers with other companies, it was a breath of fresh air having Rachel Andrew in our corner.

Rachel Andrew is wonderful. Working with Rachel Andrew has been an awesome experience. From the first day when she was able to put a program together that would offer me all that I was looking to accomplish she was there for my every question. Even though there were challenges throughout the process, Rachel Andrew made it feel like she was right there with me solving any issues that might pop up. Unlike some of these companies that promise the world and don't care if you actually accomplish your goals, Rachel Andrew at Reliance First Capital [Reliance First Capital, LLC has since been acquired by and merged into Carrington Mortgage Services, LLC], addressed my concerns and looked for a solution to those concerns. Rachel Andrew is a professional with a heart!

We are very pleased with the experience we had with Reliance First Capital [Reliance First Capital, LLC has since been acquired by and merged into Carrington Mortgage Services, LLC]! Rachel Andrew was AMAZING! She was a top-notch mortgage analyst and helped us through the entire process. She always jumped in to answer questions and was patient with us. Reliance First Capital [Reliance First Capital, LLC has since been acquired by and merged into Carrington Mortgage Services, LLC] made us feel like we were talking to a friend, not a scary mortgage company. They were all very kind and wanted the best for us which is amazing! Overall, we had an amazing experience and would definitely recommend them to anyone!

Awesome experience. Rachel was very easy and pleasant to do business with. She kept you updated on everything. She called to make sure all questions were answered. She flowed up after closing to make sure we were satisfied. I have to say Rachel provided excellent customer service.